Living in a Pandemic: How to Cope with the Impacts of COVID-19

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A woman wearing a face mask standing in a city in the middle of the coronavirus pandemic.

Social distancing is fundamental in preventing new infections. But it has put a strain on the world’s economy as businesses, schools and offices are forced to shut down. Here are some steps you can take to cope as Singapore braces for the impact of the COVID-19 coronavirus pandemic.

#TiqOurWord World Health Organisation (WHO) officially declared COVID-19 as a pandemic on 11 March 2020. This is due to the deadly nature of the virus. It spreads outside of containment measure on every continent except Antarctica.

Retrenchment and salary cut

A man using his phone while drinking coffee alone at home with his computer ready for work.

Businesses that are struggling to stay afloat are forced to place their workers on compulsory no-pay leave (CNPL) for up to 7 days a month. Others are adapting by cutting the salary of the staff. We need to face a harsh reality that employment may never be the same again.

As the pandemic is forcing more companies to embrace digital transformation in order to survive, you have to equip yourself with more digitally savvy skills. Upskill yourself by reading books and taking online classes. Explore freelance work such as graphic designing, digital marketing or website developing. This way, you will come out of this pandemic stronger.

You should also put aside some cash for investment. With ELASTIQ, your money can grow over time. When the need arises, you have the flexibility to withdraw from your account without penalty 90 days after policy issue date. And top-up at any time! With the life protection this plan offers, you will be prepared no matter what the future brings.

Less access to healthcare

An old lady in the hospital Restricted Area section being quarantined during the coronavirus pandemic.

Hospitals around the world want to avoid a sudden increase in low-risk patient visits due to the worry of infection. This overwhelms and uses up healthcare resources. It also increases the risk of infection as low-risk people are being exposed to actual high-risk COVID-19 patients within the hospitals. You can #FlattenTheCurve of the coronavirus pandemic by avoiding hospitals except for emergencies.

#TiqOurWord Maintain your health by exercising indoors, eating fruits and vegetables, drinking more water, and getting plenty of rest to support your immune system. Remember to wash your hands with soap and water. And avoid touching your face!

Work-from-home burnout

A young man working-from-home and communicating with his colleagues online during the coronavirus pandemic

Being isolated from your colleagues can cause communication errors and work delays. And those with families may find themselves easily distracted and unable to focus. Add in a global crisis and it can cause someone to burnout – fast. Follow these steps to keep the exhaustion at bay.

  • Avoid distractions: Set up your work station away from the television or bedroom.
  • Communication equals less friction: Use remote-working-friendly apps such as Slack or Zoom for discussions. Consider earphones, microphone and webcam for better communication with your colleagues.
  • Ask for help: It gives you a sense of direction, both over your work and how you feel about it.
  • Disconnect after working hours: Avoid overworking and enjoy your personal time.

Children’s education at home

A mother helping her son study at home.

Starting April, students have one day of home-based learning per week. This new system allows Singaporeans to get used to home-based learning before the ministry expands the new system to more days, if necessary.

A key part of home-based learning is digital devices. Schools will help those without digital devices with the support from the ministry. Parents just need to ensure their children join lessons and complete the assignments on time. It’s also advisable for parents to get in touch with schools to find out their way of teaching to make sure the children follow it accordingly.

Frustration and anxiety during isolation

Isolation can cause you to feel sad, lonely and worried. But like all things, this too shall pass. It’s a temporary situation and everyone is doing their best to curb the coronavirus pandemic. Take care of your mental health with these tips.

  • Stay connected: Check up on your family and friends. This is the best opportunity to bond with those you care about.
  • Stay fit: Being active elevates your mood. Exercise daily and drink plenty of water. Avoid alcohol and cigarettes as they can adversely affect your mood.
  • Stay with the facts: Get your updates from reliable sources such as the MOH or WHO. Avoid rumours and fake news which can cause anxiety.

We’re all in this together

Coronavirus pandemic causes people to adopt to alternative way of greeting by placing their hand over their chest.

Remember, it is common to feel down or anxious when faced with sudden difficulties. The coronavirus pandemic is unprecedented, so adapting may take time. But preparation can help ease the burden. Share this article with your loved ones so everyone can stay informed. You can also get yourself covered with the enhanced ePROTECT safety from just S$18/month at Tiq by Etiqa. This personal accident insurance protects you from unexpected expenses from accidents and infectious diseases. It also comes free with the special COVID-19 and Dengue Fever cover for a limited time. Learn more here.


Information is accurate as at 2 April 2020. This policy is underwritten by Etiqa Insurance Pte. Ltd. (Company Reg. No. 201331905K). Protected up to specified limits by SDIC. As buying a life insurance policy is a long-term commitment, an early termination of the policy usually involves high costs and the surrender value, if any, that is payable to you may be zero or less than the total premiums paid.

It is usually detrimental to replace an existing personal accident plan with a new one. A penalty may be imposed for early termination and the new plan may cost more or have less benefit at the same cost. Benefits of the policy will only be payable upon an accident occurring. You should seek advice from a financial adviser before deciding to purchase the policy. If you choose not to seek advice, you should consider if the policy is suitable for you.

Tiq by Etiqa Insurance Pte. Ltd.

A digital insurance channel that embraces changes to provide simple and convenient protection, Tiq’s mission is to make insurance transparent and accessible, inspiring you today to be prepared for life’s surprises and inevitabilities, while empowering you to “Live Unlimited” and take control of your tomorrow.

With a shared vision to change the paradigm of insurance and reshape customer experience, Etiqa created the strong foundation for Tiq. Because life never stops changing, Etiqa never stops progressing. A licensed life and general insurance company registered in the Republic of Singapore and regulated by the Monetary Authority of Singapore, Etiqa is governed by the Insurance Act and has been providing insurance solutions since 1961. It is 69% owned by Maybank, Southeast Asia’s fourth largest banking group, with more than 22 million customers in 20 countries; and 31% owned by Ageas, an international insurance group with 33 million customers across 16 countries.

Discover the full range of Tiq online insurance plans here.



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